or switzerland? >> well, not as bad as not my standard. [laughter] the u.s. economy has been the most innovative comments that credit available at the broadest base. your distribution financial institution that was the mother to of industrial companies and you can meet the needs of either local level or national level. now we are concentrating its increasingly to read the small business in the community has to have some way to deal with this very large institute because that is soon becoming the only choice. that is the mechanism. it is not as innovative in the u.s., at least historically. so we have the strength that because europe and senate, therefore we should give up our strength. i don't did so. i really don't. when you get institutions come at the fact of life. i've talked to firms who have been pretty much told by some of the largest, most powerful institutions, words like well, why should we make this point to you? convinced me. where you have a locally owned, there's an issue again because the community different developments the institution does we